Category: Insurance tips Release Date: 2006-08-01
The beneficiary is the life insurance contract the insured person or insured has designated insurance claim people. The insured, the insured person may as a beneficiary, when you buy life insurance, how the designated beneficiary, please note the following points:
1. Specify must be clear. Must not be vague concepts, such as "my wife", "my child" such words, but should be clear that the name, to avoid subsequent disputes.
2. Beneficiaries shall be borne by the insured person or insured specified. The designated beneficiary when the insured subject to the consent of the insured.
3. Beneficiaries can be changed. In the survival of the insured, the insurance before the accident not occurred, the insured may change the beneficiary. Subject to the consent of the insured person consent and written notice to the insurance company.
4. If the beneficiary before death of the insured person without the other beneficiaries of the insurance as a benefit in dealing with the legacy of the insured person.
5. Beneficiaries may be people, and can benefit from the agreed order and share their own.
6. Designated beneficiary is the time to consider who would you most want to protect people who are parents, spouses or children. A young man of the house unsuccessfully, the beneficiary can be a parent, in order to in the event of misfortune, so as to fulfill their filial duties heart, in return bringing grace; to become a home for people who are parents, spouses, children are worthy of consideration.
7. Best to explicitly specify the beneficiary. Because there is no beneficiary, the insurance premium as a legacy of treatment, may give rise to inheritance disputes, is not conducive to preservation of their property.
8. The insured person without capacity for civil conduct or with limited capacity for civil conduct, and can a beneficiary designated by their guardian.
The beneficiaries should be the reasonable agreement worth careful consideration, the above might give you a good reference.
